The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,923
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$724/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$694/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,296
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$869/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,602
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,423
−HK$832/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$33,955
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$1,015/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$36,180
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,660
−HK$971/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,615
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,261
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,545
−HK$1,304/mo
Today · 4.125%
HK$43,849
baseline
▲ 0.50% · 4.625%
HK$46,517
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,698/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,903
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,249/mo
Today · 4.125%
HK$48,383
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,766/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,279 · Scale 2, in force from 26 Feb 2026)